PENTAGON FEDERAL CREDIT UNION

2018-01-17

Arlington, VA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-01-17

Doral, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-16

Henderson, NV

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-01-16

Albany, GA

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-14

Bellaire, TX

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Old information reappears or never goes away
Complaint: The last payment on this credit card was XXXX XXXX. Pentagon Federal Credit Union is illegally re-aging the account to keep it on my report. Whenever I dispute it, they re-age it again, and are currently showing I made good payments until XXXX. That is completely false. The date of delinquency and the last activity are the same, XXXX XXXX. The amount past due is {$12000.00}. and the account begins with XXXX. I have not had a job since XXXX. I have been a XXXX XXXX XXXX and have XXXX income, therefore I have not made any payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-12

Charlotte, NC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XXXX XXXX XXXX XXXX run my credit with out my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-12

Missouri City, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-10

Archers Lodge, NC

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-10

New Orleans, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-09

Bleecker, NY

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-01-05

Alexandria, VA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-04

Clermont, FL

Incorrect information on your report

Payday loan, title loan, or personal loan: Installment loan

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-03

Olmos Park, TX

Managing an account

Checking or savings account: Savings account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-03

Delray Beach, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-28

Alexandria, VA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I have been a XXXX XXXX member since XXXX and XXXX XXXX holder since XXXX. I never had issues paying them and am a low risk customer in that I generally have high earnings, good payment history and higher credit scores. I used the accounts to keep my earnings as a law professor separate from my other accounts as this was generally for savings. In XXXX, I bought a condo and had charged quite a bit as I settled in, but was paying it back. I did this mainly because it is a low interest card with rewards to some of my favorite stores and I saw the purchases as an opportunity to maximize points and keep some cash on reserve for emergencies. Until XXXX, my credit score hovered in the mid XXXX and my salary was in the XXXX range depending on how many classes I taught. My on-time payment percentage is still 95 %. I am a low risk customer. During these years, XXXX XXXX gave me a line of credit and checking account, which I rarely used to deepen my relationship with them. In XXXX of XXXX I learned my info had been exposed in the XXXX breach when I was disputed unauthorized charges on another card. A month later, I learned the same about XXXX. Further a very old issue of a student loan in arrears that belong to another borrower with my same name resurfaced when banks merged. I have been rebattling that issue and the identity theft issue since. I have notices on my credit report and tax returns and have resolved some of the unauthorized payments. Despite my not having any payment issues with them XXXX XXXX arbitrarily closed my line of credit ( but not properly because they were stil charging service fees ), my checking account and my credit card account. There was no call or conversation. My mortgagor, car lender, and another credit card company sent emails and called when they heard about the breaches - giving me a chance to explain my situation and what I was doing to resolve it. They did not do anything negative with my accounts and I have stayed in communication with them as this situation resolves. XXXX XXXX on the other hand, is reporting this closure negatively as if it is a XXXX debt charge off. This has had a negative impact on my credit score and could harm me at work as I am cleared staff that most report when such things happen without cause. I have been making payments on the account and usually transfer every pay period ad my goal is to pay it off now that I am done with the purchases I needed to make. I was two day and {$46.00} dollars late and someone from XXXX XXXX called me three times in one day to bother me. Even after I immediately logged on and payed what they wanted and some extra, they hit me with an outrageous delinquent fee on XXXX XXXX. That is nowhere near my due date of XXXX XXXX, XXXX nor the previous date for which I owed the {$46.00}. Other than working to resolve issues related to corporate incompetence like many other Americans, nothing about me as a customer has changed. For three years, I had no payment issues with XXXX XXXX. My salary has not changed and other than the above mentioned issues, nothing in my payment status has changed. I would like for XXXX to stop reporting this card as a charge off and re-open the account. I will pay it off just as any other high earner would treat such a card and use it sparingly as I had done in the past before I made the active decision to use it in this way, knowing that I will get paid more than the balance just for teaching this summer. There is no reason for them to have done this than to engage in practices that willl yield them more fees while hurting their customers. I also tried to reach out to them about a potential intrusion into my accounts by an ex-boyfriend who is one of their employees. He works in XXXX XXXX XXXX department and while we were dating, he brought up financial issues that I never told him. I asked them about any unauthorized access to my accounts in late XXXX to XXXX XXXX. They told me they dont monitor such things. I have no idea if my rights have been violated. I hope CFPB can help me work through this. So far all I have gotten is put on hold and re-directed.
Company Response: Closed with explanation

Timely Response

2017-12-27

LA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.
Company Response: Closed with explanation

Timely Response

2017-12-26

Isla Verde, PR

Getting a loan or lease

Vehicle loan or lease: Loan

Confusing or misleading advertising or marketing
Complaint: I checked the XXXX website to apply for an auto loan. Rates are published in the website and I know a lot of people who financed their cars with XXXX at 1.49 % or 1.99 %. To my surprise, there is a notice now on the website that reads : " Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at XXXX. '' When I called, the rates for Puerto Rico are much higher that those offered to the rest of American citizens consumers in US. XXXX discouraged me from applying to the loan with those higher rates. I understand this is a discriminatory practice under Fair Lending and other related consumer regulations and must be investigated and corrected. In addition, I was informed that these different rates were apparently established in the aftermath of Hurricane Maria.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-23

Myrtle Beach, SC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-21

Conyers, GA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-19

Council, NC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Company Response: Closed with explanation

Timely Response

2017-12-17

Atl, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-14

E Lansdowne, PA

Managing an account

Checking or savings account: Savings account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-12

Atlanta, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: inquiry not removed
Company Response: Closed with explanation

Timely Response

2017-12-12

Las Vegas, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-11

Anchorage, AK

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response